AI Cost per User Calculator
Know whether an AI feature costs cents per user—or quietly breaks your pricing.
Free · no signup · runs in your browserWhat this calculator is for
For SaaS and consumer AI products, total API spend is less useful than cost per active user. This view helps founders decide whether a feature belongs in a free tier, a usage cap, or a paid plan.
The math
Actual invoices can differ because providers may apply long-context pricing, caching rules, batch rates, tool-call fees, regional processing, negotiated contracts, taxes, or future pricing changes. Treat the output as a planning estimate.
Pricing sources
Current model rates are sourced from official provider pricing pages and verified on August 28, 2026. The methodology page records the source links and known limitations.
Frequently asked question
What should I include in cost per user?
Start with model API usage, then separately account for hosting, retrieval, storage, observability, support and payment processing.
Can I use this estimate for a production budget?
Use it to create scenarios and catch order-of-magnitude mistakes. Before committing spend, verify the selected model's live provider pricing and compare the estimate with actual usage telemetry.